solaris

defmodule Solaris.Banking.SEPA do
  @moduledoc """
  SEPA payment operations: Credit Transfers (SCT), Instant Credit Transfers,
  and Direct Debits (SDD).

  ## SEPA Credit Transfer (SCT)

  Standard EU credit transfers; typically settle next business day.

  ## Instant SCT

  Real-time transfers (within seconds). Requires:
  1. Checking recipient bank reachability first
  2. 2FA / change request authorization
  3. Webhook `INSTANT_SEPA_CREDIT_TRANSFER_FAILED` for failures

  ## SEPA Direct Debit (SDD)

  Pull payments from customer accounts. Requires:
  - A signed mandate from the customer
  - Mandate must be active before first SDD

  ## Amounts

  All amounts are in **cents** (smallest currency unit). EUR 10.00 = `1000`.
  """

  alias Solaris.{Client, Error, Pagination}

  # ── SEPA Credit Transfers (Standard) ───────────────────────────────────────

  @doc """
  Creates a SEPA Credit Transfer for a person's account.

  Triggers a change request (SCA) — returns `202` with `change_request_id`
  if not using a trusted IBAN.

  ## Examples

      {:ok, transfer} = Solaris.Banking.SEPA.create_person_credit_transfer(
        "cper_123",
        "cacc_456",
        %{
          recipient_iban: "DE89370400440532013000",
          recipient_name: "Max Mustermann",
          amount: 10_000,
          currency: "EUR",
          reference: "Invoice #123",
          end_to_end_id: "E2E-REF-123"
        }
      )
  """
  @spec create_person_credit_transfer(String.t(), String.t(), map(), keyword()) ::
          {:ok, map()} | {:error, Error.t()}
  def create_person_credit_transfer(person_id, account_id, attrs, opts \\ []) do
    Client.post(
      "/v1/persons/#{person_id}/accounts/#{account_id}/transactions/sepa_credit_transfer",
      attrs,
      opts
    )
  end

  @doc "Lists SEPA credit transfers for a person's account."
  @spec list_person_credit_transfers(String.t(), String.t(), keyword()) ::
          {:ok, map()} | {:error, Error.t()}
  def list_person_credit_transfers(person_id, account_id, opts \\ []) do
    query = Pagination.to_query(opts)

    Client.get(
      "/v1/persons/#{person_id}/accounts/#{account_id}/transactions/sepa_credit_transfer",
      Keyword.put(opts, :query, query)
    )
  end

  @doc """
  Creates a SEPA Credit Transfer for a business account.

  ## Examples

      {:ok, transfer} = Solaris.Banking.SEPA.create_business_credit_transfer(
        "cbac_123",
        "cacc_456",
        %{
          recipient_iban: "DE89370400440532013000",
          recipient_name: "Vendor GmbH",
          amount: 250_000,
          currency: "EUR",
          reference: "PO-2024-001"
        }
      )
  """
  @spec create_business_credit_transfer(String.t(), String.t(), map(), keyword()) ::
          {:ok, map()} | {:error, Error.t()}
  def create_business_credit_transfer(business_id, account_id, attrs, opts \\ []) do
    Client.post(
      "/v1/businesses/#{business_id}/accounts/#{account_id}/transactions/sepa_credit_transfer",
      attrs,
      opts
    )
  end

  @doc "Lists SEPA credit transfers for a business account."
  @spec list_business_credit_transfers(String.t(), String.t(), keyword()) ::
          {:ok, map()} | {:error, Error.t()}
  def list_business_credit_transfers(business_id, account_id, opts \\ []) do
    query = Pagination.to_query(opts)

    Client.get(
      "/v1/businesses/#{business_id}/accounts/#{account_id}/transactions/sepa_credit_transfer",
      Keyword.put(opts, :query, query)
    )
  end

  # ── Instant SEPA Credit Transfers ──────────────────────────────────────────

  @doc """
  Checks if a recipient bank is reachable for Instant SEPA.

  Must be called before initiating an Instant SCT.

  ## Examples

      {:ok, result} = Solaris.Banking.SEPA.check_instant_reachability("DE89370400440532013000")
      if result["reachable"], do: proceed_with_instant_transfer()
  """
  @spec check_instant_reachability(String.t(), keyword()) ::
          {:ok, map()} | {:error, Error.t()}
  def check_instant_reachability(iban, opts \\ []) do
    Client.get(
      "/v1/instant_sepa_credit_transfer_reachability",
      Keyword.put(opts, :query, iban: iban)
    )
  end

  @doc """
  Creates an Instant SEPA Credit Transfer for a person.

  Requires 2FA/change request. Monitor `INSTANT_SEPA_CREDIT_TRANSFER_FAILED`
  webhook for failures.

  ## Examples

      {:ok, transfer} = Solaris.Banking.SEPA.create_instant_person_transfer(
        "cper_123",
        "cacc_456",
        %{
          recipient_iban: "DE89370400440532013000",
          recipient_name: "Max Mustermann",
          amount: 5_000,
          currency: "EUR",
          reference: "Fast payment"
        }
      )
  """
  @spec create_instant_person_transfer(String.t(), String.t(), map(), keyword()) ::
          {:ok, map()} | {:error, Error.t()}
  def create_instant_person_transfer(person_id, account_id, attrs, opts \\ []) do
    Client.post(
      "/v1/persons/#{person_id}/accounts/#{account_id}/transactions/instant_sepa_credit_transfer",
      attrs,
      opts
    )
  end

  @doc "Creates an Instant SEPA Credit Transfer for a business."
  @spec create_instant_business_transfer(String.t(), String.t(), map(), keyword()) ::
          {:ok, map()} | {:error, Error.t()}
  def create_instant_business_transfer(business_id, account_id, attrs, opts \\ []) do
    url =
      "/v1/businesses/#{business_id}/accounts/#{account_id}" <>
        "/transactions/instant_sepa_credit_transfer"

    Client.post(url, attrs, opts)
  end

  @doc "Creates an Instant SCT to a reference account."
  @spec create_instant_reference_account_transfer(String.t(), map(), keyword()) ::
          {:ok, map()} | {:error, Error.t()}
  def create_instant_reference_account_transfer(account_id, attrs, opts \\ []) do
    body = Map.merge(attrs, %{rail: "sepa_instant"})
    url = "/v1/accounts/#{account_id}/transactions/reference_account_payout"
    Client.post(url, body, opts)
  end

  # ── SEPA Direct Debits ──────────────────────────────────────────────────────

  @doc """
  Creates a SEPA Direct Debit mandate for a person.

  The mandate must be signed before the first SDD can be initiated.

  ## Examples

      {:ok, mandate} = Solaris.Banking.SEPA.create_person_mandate(
        "cper_123",
        "cacc_456",
        %{
          creditor_iban: "DE89370400440532013000",
          creditor_name: "Creditor GmbH",
          mandate_reference: "MREF-001",
          creditor_identifier: "DE98ZZZ09999999999"
        }
      )
  """
  @spec create_person_mandate(String.t(), String.t(), map(), keyword()) ::
          {:ok, map()} | {:error, Error.t()}
  def create_person_mandate(person_id, account_id, attrs, opts \\ []) do
    Client.post(
      "/v1/persons/#{person_id}/accounts/#{account_id}/mandates",
      attrs,
      opts
    )
  end

  @doc "Lists mandates for a person's account."
  @spec list_person_mandates(String.t(), String.t(), keyword()) ::
          {:ok, list(map())} | {:error, Error.t()}
  def list_person_mandates(person_id, account_id, opts \\ []) do
    Client.get("/v1/persons/#{person_id}/accounts/#{account_id}/mandates", opts)
  end

  @doc "Retrieves a specific mandate."
  @spec get_person_mandate(String.t(), String.t(), String.t(), keyword()) ::
          {:ok, map()} | {:error, Error.t()}
  def get_person_mandate(person_id, account_id, mandate_id, opts \\ []) do
    Client.get("/v1/persons/#{person_id}/accounts/#{account_id}/mandates/#{mandate_id}", opts)
  end

  @doc "Signs a mandate, activating it for SDD use."
  @spec sign_person_mandate(String.t(), String.t(), String.t(), keyword()) ::
          {:ok, map()} | {:error, Error.t()}
  def sign_person_mandate(person_id, account_id, mandate_id, opts \\ []) do
    Client.post(
      "/v1/persons/#{person_id}/accounts/#{account_id}/mandates/#{mandate_id}/sign",
      %{},
      opts
    )
  end

  @doc "Creates a SEPA Direct Debit from a person's account."
  @spec create_person_direct_debit(String.t(), String.t(), map(), keyword()) ::
          {:ok, map()} | {:error, Error.t()}
  def create_person_direct_debit(person_id, account_id, attrs, opts \\ []) do
    Client.post(
      "/v1/persons/#{person_id}/accounts/#{account_id}/transactions/sepa_direct_debit",
      attrs,
      opts
    )
  end

  @doc "Creates a SEPA Direct Debit mandate for a business."
  @spec create_business_mandate(String.t(), String.t(), map(), keyword()) ::
          {:ok, map()} | {:error, Error.t()}
  def create_business_mandate(business_id, account_id, attrs, opts \\ []) do
    Client.post(
      "/v1/businesses/#{business_id}/accounts/#{account_id}/mandates",
      attrs,
      opts
    )
  end

  @doc "Lists mandates for a business account."
  @spec list_business_mandates(String.t(), String.t(), keyword()) ::
          {:ok, list(map())} | {:error, Error.t()}
  def list_business_mandates(business_id, account_id, opts \\ []) do
    Client.get("/v1/businesses/#{business_id}/accounts/#{account_id}/mandates", opts)
  end

  @doc "Creates a SEPA Direct Debit from a business account."
  @spec create_business_direct_debit(String.t(), String.t(), map(), keyword()) ::
          {:ok, map()} | {:error, Error.t()}
  def create_business_direct_debit(business_id, account_id, attrs, opts \\ []) do
    Client.post(
      "/v1/businesses/#{business_id}/accounts/#{account_id}/transactions/sepa_direct_debit",
      attrs,
      opts
    )
  end
end